*Annual Percentage Yield (APY) is effective as of April 6, 2022, and is subject to change without notice. Minimum to open and obtain the APY is $500. The Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded daily and credited monthly. Penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Additional deposits or withdrawals of principal after opening are not permitted. At maturity the certificate of deposit will automatically renew for the same term. This special cannot be combined with any other offers or promotions and excludes institutional investors, brokered accounts, and public funds. Also available as an Individual Retirement Account (IRA) certificate of deposit. This is a limited-time offer and may be discontinued at any time.

*Offer is for qualified borrowers, subject to credit approval. The minimum loan amount is $10,000. Limited to owner-occupied (primary or second/vacation homes) 1-4 family residences. First or second lien up to $750,000 with a combined Loan to Value of 80% or less. The introductory rate of 1.99% Annual Percentage Rate (APR) will be in effect for the first 6 billing cycles after your account is opened, whether or not funds have been advanced from your account during that time. After the introductory period, the rate will convert to the applicable variable rate that will vary with the Prime Rate (as published in the Wall Street Journal) plus a margin. Margin will be based on the credit score of the borrower(s). Variable-rate has a minimum of 4.00% and a maximum of 18%. As of 5/5/2022, the variable rate ranges from 4.00% to 5.25% based on a minimum credit score of 660, a maximum LTV ratio of 80%, and a minimum loan amount of $10,000. If the customer establishes automatic payments from an eligible The Gratz Bank or LINKBANK a division of The Gratz Bank deposit account, an additional “autopay” discount of 0.25% shall apply beyond the stated rate. A higher APR may be applied to lines with lower credit scores and discontinuance of autopay. No closing costs except title insurance (if required) for lines over $150,000 with $25,000 new money at the Bank. Homeowner’s insurance required. Flood insurance (if applicable) is required. All accounts have a 10-year interest-only draw period, followed by a 20-year repayment period. Offer subject to change.